Follow the dollars · Assumption only
A complete cash picture for Dec 6, 2026
Your down payment$23,740Cash toward the purchase price.
Closing costs + prepaids$12,429Not just lender fees.
Before credits & paid funds$36,170The complete starting cash picture.
Estimated remaining funds due at closing
$36,170No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$23,740.08
Your down payment$23,740.08
Closing costs + prepaids$12,429.44
Total buyer cash needed$36,169.52
Remaining funds due$36,169.52
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,779.99
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$514.75
Initial HOA (3 months)$330.00
Prepaid interest, first (26 days)$1,579.70
Fees + prepaids$12,429.44
Your down payment is the seller’s equity. You take over the $354,259 balance, so the rest of the $377,999 price is paid at closing. A second mortgage can cover part of it. $36,169.52 is due at closing. Uses and sources reconcile at $390,428.44 each. Not a Closing Disclosure.